제목: The Millionaire Next Door
저자: Thomas J. Standley, PH.D, & William D Danko, Ph.D
브라이언 요약:
- 아껴써라.
- 효율을 따져라.
- 미래가 밝은 업종을 고르라.
브라이언 노트:
출판: 1996년
Preface
- millionaires are economically successful is that they think differently.
- they lived below their means.
- 80-85% of millionaires are self-made.
- They journey to wealth is much more satisfying than the destination.
Introduction
- Wealth is what you accumulate, not what you spend.
- Research: more than 1,000 people from May 1995 to January 1996 with 249 questions.
- The 7 factors
- They live well below their means.
- They allocate their time, energy, and money efficiently, in ways conductive to building wealth.
- They believe that financial independence is more important than displaying high social status.
- Their parents did not provide economic outpatient care.
- Their adult children are economically self-sufficient.
- They are proficient in targeting market opportunities.
- They chose to right occupation.
1. Meet the Millionaire Next Door
- 2 /3 of us who are working are employed. 3 out of 4 of us who are self-employed consider ourselves to be entrepreneurs.
- income: $131,000
- fairly well educated. Only 1 in 5 are not college graduates.
- They believe that education is extremely important for ourselves, our children, and our grandchildren.
- We make our own investment decisions.
- our most trusted financial advisors are our accountants. our attorneys are also very important.
- Low-consumption lifestyle vs High-consumption lifestyle.
- Your wealth: your age x income / 10
- PAW (prodigious accumulator of wealth) vs UAW (under accumulator of wealth) vs AAW (average accumulator of wealth)
- Origin matters? Entrepreneurial spirit
2. Frugal Frugal Frugal
- They live well below their means.
- Frugal: behavior characterized by or reflecting economy in the use of resources. vs Wasteful: opposite of frugal
- Being frugal is the cornerstone of wealth-building
- 1. Were your parents very frugal? 2. Are you frugal? 3. Is your spouse more frugal than you are?
- Millionaires play both quality offense and quality defense.
- They create an artificial economic environment of scarcity for themselves and the other members of their household.
- Pay yourself first strategy
- Invest a minimum of 15 percent of their annual realized income before they pay the sellers of their food, clothes, homes, credit, and the like.
- A major goal hey often name is to minimize their tax burden. - Advantage of being a self-employed business owner.
- The typical American millionaire may personally by cash poor. More than 20% of Barbara's annual realized income is invested in financial assets. Why? minimizing their realized income. For tax
- Most millionaires measure their success by their net worth, not by their realized income.
- If you are not yet wealthy but want to be someday, never purchase a home that requires a mortgage that is more than twice your household's total annual realized income.
3. Time, Energy, and Money
- Do you know how much your family spends each year for food, clothing, and shelter?
- Do you spend a lot of time planning your financial future?
- Are you frugal?
- The goal is to enable you to set aside for investing purpose at least 15% of your pretax income each year.
4. You Aren't What You Drive
- PAW love working. UAWs work because they need to support their conspicuous consumption habit.
- More than 80$ of millionaires purchase their vehicles. If and when more than 50% begin leasing, we will change our recommendation.
- New vehicle Dealer Loyalist (28.6%), New Vehicle Dealer Shoppers (34.8%), Used Vehicle dealer loyalists (17.1%), Used vehicle shopper (19.5%)
5. Economic Outpatient Care
- EOC (economic outpatient care): Economic out patient care refers to the substantial economic gifts and "acts of kindness" some parents give their adult children and grandchildren.
- Top 10 occupations of the adult children of the affluent are: Page 150
- Sales Skill: Page 171
6. Affirmative Action, Family Style
- Spouse and Children
- 1. Never tell children that their parents are wealthy
- 2. No matter how wealthy you are, teach your children discipline and frugality.
- 3. Assure that your children won't realize your are affluent until after they have established a mature, disciplined, and adult lifestyle and profession.
- 4. Minimize discussions of the items that each child and grandchild will inherit or receive as gifts.
- 5. Never give cash or other significant gifts to your adult children as part of a negotiation strategy.
- 6. Stay out of your adult children's family matters.
- 7. Don't try to compete with your children.
- 8. Always remember that your children are individuals.
- 9. Emphasize your children's achievements, no matter how small, not their or your symbols of success.
- 10. Tell your children that there are a lot of things more valuable than money.
7. Find Your Niche
8. Jobs: Millionaires versus Heirs
- Most people who make it big in business set their own very high standards.
- They can take your business, but they can't take your intellect!
Brian Yom
2001년부터 웹사이트 제작하고 지금은 미국에서 웹사이트 제작과 온라인 마케팅 회사를 운영하는 브라이언입니다. 다양한 온라인 비즈니스와 웹사이트를 직접 운영하며 쌓은 구글 SEO, 백링크, 워드프레스, 디지털 마케팅 경험을 바탕으로 실무 중심의 정보를 공유하고 있습니다. 이 사이트가 여러분의 온라인 비즈니스 성장에 도움이 되길 바랍니다.